<?xml version="1.0" encoding="UTF-8"?><GPay><Header><ActivityCode>023023</ActivityCode><ReqSys>0001</ReqSys><ReqDate>${(reqDate)!}</ReqDate><ReqTransID>${(reqTransId)!}</ReqTransID><ReqDateTime>${(reqDateTime)!}</ReqDateTime><ActionCode>0</ActionCode><RcvSys>${(reqSys)!}</RcvSys><RcvDate></RcvDate><RcvTransID></RcvTransID><RcvDateTime></RcvDateTime><RspCode>${(rspCode)!}</RspCode><RspDesc>${(rspDesc)!}</RspDesc></Header><Body><TradeSeqno>${(tradeSeqno)!}</TradeSeqno><SettleDate>${(settleDate)!}</SettleDate><ResultCode>${(resultCode)!}</ResultCode><ResultDesc>${(resultDesc)!}</ResultDesc><TradeSession>${(tradeSession)!}</TradeSession><NotifyType>02</NotifyType></Body><Sign><SignFlag></SignFlag><CerID></CerID><SignValue></SignValue></Sign></GPay>